| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 | 4200 S HULEN ST STE 330 FORT WORTH, TX 761094912 | BLUE CROSS AND BLUE SHIELD OF TEXAS, INC. | $21K | $0 | $21K | 1.67% |
| FROST INSURANCE AGENCY INC3 | 4200 S HULEN ST STE 330 FORT WORTH, TX 761094912 | BLUE CROSS AND BLUE SHIELD OF TEXAS, INC. | $1K | $0 | $1K | 0.08% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INS AGENCY INC | PO BOX 33528 FORT WORTH, TX 761623528 | METROPOLITAN LIFE INSURANCE | $8K | $69 | $8K | 9.48% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INS AGENCY INC | 3611 PAESANOS PKWY STE 100 SAN ANTONIO, TX 782311256 | METROPOLITAN LIFE INSURANCE | $0 | $470 | $470 | 0.57% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY | 4200 S HULEN ST STE 330 FORT WORTH, TX 761094912 | DELTA DENTAL INSURANCE COMPANY | $443 | $8K | $8K | 10.35% |
| FROST INSURANCE AGENCY INC3 | 4200 S HULEN ST. STE 330 FORT WORTH, TX 761094912 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 6.75% |
| FROST INSURANCE AGENCY INC3 | 4200 S HULEN ST. STE 330 FORT WORTH, TX 761094912 | EXPRESS SCRIPTS, INC. | $1K | $0 | $1K | 2.83% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY | 640 TAYLOR ST. FORT WORTH, TX 761024820 | VISION SERVICE PLAN | $1K | — | $1K | 5.69% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 124 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF TEXAS, INC. | 239 | $1.3M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 148 | $78K |
| Vision | VISION SERVICE PLAN | 102 | $19K |
| Life insurance | METROPOLITAN LIFE INSURANCE | 203 | $82K |
| Long-term disability | METROPOLITAN LIFE INSURANCE | 203 | $82K |
| Prescription drug | EXPRESS SCRIPTS, INC. | 24 | $51K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS AND BLUE SHIELD OF TEXAS, INC. | 239 | $1.3M |
| Other | METROPOLITAN LIFE INSURANCE | 203 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.